1 |
You test positive for COVID-19 in the two weeks prior to travel and you have to cancel your holiday. |
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There would be cover but you would need to provide written evidence of a positive test. |
2 |
You test positive for COVID-19 and have to cancel your holiday. You have paid for the holiday accommodation for your travelling companions. |
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You will be covered for your individual proportionate share of the holiday cost not the proportion for your travelling companions unless they are named on the policy Schedule. |
3 |
A relative, friend or business partner who is not an insured person under your policy tests positive for COVID-19 and you want to cancel your holiday. |
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There will be no cover. Cover for COVID-19 is limited to individuals named on the policy Schedule. |
4 |
You choose to or are told to self-isolate by a medical professional or tracing system because of possible exposure to COVID-19 and you can't travel on your trip. |
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There will be no cover if you choose or are recommended or are instructed to self-isolate unless it is confirmed in writing that you have a positive test for Covid-19. |
5 |
You choose to or are told to self-isolate by a medical professional because you have symptoms that could be COVID-19 and you can't travel on your trip. |
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There will be no cover if you choose, recommend or are instructed to self- isolate unless COVID-19 is confirmed in writing by way of a positive test. |
6 |
The FCDO changes its advice in relation to the country you are travelling to because of COVID-19 or another pandemic and you can't now travel. |
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In these circumstances there will be no cover under this policy for cancellation of prepaid costs including but not limited to activities, accommodation and transport services. You should make enquiries with the providers and review their booking conditions to ensure they will offer a rebooking or refund in such circumstances. You may also want to consider paying these costs with a credit card or debit so you have the option of recovering from your credit card provider or your bank should the provider fail to honour the agreement to refund or rebook. |
7 |
The country you are travelling to changes its advice in relation to entry requirements and you can't now travel. |
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In these circumstances there will be no cover. You should consider making the same enquiries with the providers as stated in point 6 above. |
8 |
The country you are travelling to changes its advice in relation to quarantine/self- isolation requirements on arrival and you don't want to travel. |
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In these circumstances there will be no cover. You should consider making the same enquiries with the providers as stated in point 6 above. |
9 |
A medical professional advises you not to travel as you have underlying health conditions that place you at a 'higher risk' from COVID-19 and you want to cancel your holiday. |
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In this scenario there would be no cover. COVID-19 is a known event and the health risks are known by the general public. You should make enquiries with your providers to see if in this event they would offer a refund or rebooking. |